Call reports 2006
UNITED COMMUNITY BANK — 2006
What UNITED COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 154,293,000 | 156,179,000 | 162,259,000 | 164,431,000 |
| Total loans | 99,687,000 | 101,147,000 | 99,579,000 | 102,646,000 |
| Allowance for loan losses | 953,000 | 956,000 | 973,000 | 980,000 |
| Securities available for sale | 40,707,000 | 39,644,000 | 42,291,000 | 46,838,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,717,000 | 129,791,000 | 132,608,000 | 134,295,000 |
| Interest-bearing deposits | 115,905,000 | 117,987,000 | 120,296,000 | 121,221,000 |
| Noninterest-bearing deposits | 10,812,000 | 11,804,000 | 12,312,000 | 13,074,000 |
| Equity capital | 13,099,000 | 12,630,000 | 13,604,000 | 13,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,410,000 | 6,973,000 | 9,389,000 |
| Interest expense | 1,018,000 | 2,118,000 | 3,343,000 | 4,645,000 |
| Net interest income | 1,116,000 | 2,292,000 | 3,630,000 | 4,744,000 |
| Noninterest income | 179,000 | 368,000 | 566,000 | 781,000 |
| Noninterest expense | 1,032,000 | 2,004,000 | 2,996,000 | 4,104,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 184,000 | 544,000 | 1,046,000 | 1,232,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 183,000 | 543,000 | 1,044,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,421,000 | 13,324,000 | 13,732,000 | 13,920,000 |
| Total capital | 14,374,000 | 14,280,000 | 14,705,000 | 14,900,000 |
| Risk-weighted assets | 109,598,000 | 111,615,000 | 111,456,000 | 114,427,000 |